Mortgage lenders in Winnebago County
4,659 mortgages were made in Winnebago County, Wisconsin, in 2025, by 277 lenders. The median rate their borrowers got was 6.500% on a median loan of $165,000. Of 5,533 decisions, 674 were denials — 12.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Community First | 809 | 5.490% | $105,000 | 6.1% |
| VERVE, A CREDIT UNION | 301 | 6.500% | $105,000 | 8.9% |
| FOX COMMUNITIES Credit Union | 248 | 6.490% | $135,000 | 3.9% |
| Rocket Mortgage, LLC | 170 | 6.750% | $175,000 | 18.9% |
| Associated Bank, National Association | 166 | 6.750% | $145,000 | 22.7% |
| Nicolet National Bank | 163 | 7.500% | $205,000 | 4.0% |
| CAPITAL Credit Union | 130 | 6.313% | $140,000 | 7.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 129 | 6.250% | $245,000 | 7.7% |
| U.S. Bank National Association | 115 | 6.625% | $185,000 | 19.9% |
| West Pointe Bank | 105 | Not published | $175,000 | 0.0% |
| COVANTAGE CREDIT UNION | 102 | 6.500% | $165,000 | 12.7% |
| Fairway Independent Mortgage Corporation | 90 | 6.625% | $260,000 | 10.9% |
| GUILD MORTGAGE COMPANY | 86 | 6.625% | $200,000 | 6.4% |
| Home State Bank, National Association | 83 | 6.375% | $195,000 | 7.4% |
| Nations Lending Corporation | 83 | 6.625% | $215,000 | 2.2% |
| University of Wisconsin Credit Union | 71 | 5.875% | $105,000 | 20.0% |
| Wells Fargo Bank, National Association | 69 | 6.625% | $255,000 | 5.5% |
| Mortgage Research Center, LLC | 67 | 6.250% | $265,000 | 22.1% |
| Bank First, N.A. | 66 | 6.750% | $205,000 | 9.6% |
| BMO Bank National Association | 64 | 8.290% | $155,000 | 23.5% |
| Waterstone Mortgage Corporation | 64 | 6.500% | $175,000 | 1.5% |
| WINNEBAGO COMMUNITY | 62 | Not published | $105,000 | 1.6% |
| Johnson Financial Group | 51 | 6.600% | $255,000 | 5.4% |
| Old National Bank | 43 | 5.990% | $105,000 | 10.4% |
| Premier Community Bank | 38 | Not published | $170,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 37 | 6.250% | $205,000 | 10.6% |
| Loandepot.Com, LLC | 37 | 7.125% | $145,000 | 11.6% |
| PROSPERA Credit Union | 34 | Not published | $90,000 | 0.0% |
| Fortifi Bank | 32 | Not published | $275,000 | 8.1% |
| Barrington Bank & Trust Company, National Association | 32 | 6.813% | $260,000 | 5.9% |
| PENNYMAC LOAN SERVICES, LLC | 30 | 6.000% | $225,000 | 20.0% |
| JPMorgan Chase Bank, National Association | 29 | 6.625% | $255,000 | 19.4% |
| Summit Credit Union | 29 | 6.250% | $145,000 | 12.8% |
| East Wisconsin Savings Bank | 26 | Not published | $200,000 | 0.0% |
| National Exchange Bank and Trust | 26 | 6.625% | $130,000 | 12.5% |
| Fox Valley Savings Bank | 26 | Not published | $210,000 | 3.7% |
| NEWREZ LLC | 25 | 6.490% | $215,000 | 30.6% |
| Horicon Bank | 24 | 6.625% | $245,000 | 0.0% |
| FIGURE LENDING LLC | 23 | 8.650% | $45,000 | 30.2% |
| MARINE CREDIT UNION | 22 | 9.130% | $140,000 | 51.0% |
| Wolf River Community Bank | 22 | Not published | $160,000 | 0.0% |
| Navy Federal Credit Union | 20 | 7.650% | $100,000 | 20.0% |
| NATIONSTAR MORTGAGE LLC | 19 | 7.125% | $95,000 | 16.0% |
| SIMPLICITY | 19 | 6.000% | $65,000 | 16.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.500% | $245,000 | 9.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 19 | 6.750% | $195,000 | 5.0% |
| North Shore Bank | 18 | 5.490% | $95,000 | 35.7% |
| FIRST COLONY MORTGAGE CORPORATION | 18 | 6.625% | $235,000 | 0.0% |
| GUARANTEED RATE, INC. | 17 | 6.575% | $265,000 | 14.3% |
| Ixonia Bank | 17 | 6.750% | $165,000 | 19.1% |
| Bristol Morgan Bank | 17 | Not published | $175,000 | 0.0% |
| Bank Five Nine | 16 | 6.813% | $270,000 | 5.9% |
| American National Bank - Fox Cities | 16 | Not published | $175,000 | 5.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 15 | 6.875% | $225,000 | 11.8% |
| POINT MORTGAGE CORPORATION | 15 | 6.625% | $265,000 | 5.9% |
| Zippy Loans, LLC | 14 | 8.000% | $65,000 | 51.7% |
| Luminate Bank | 14 | 7.250% | $235,000 | 12.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 14 | 6.563% | $205,000 | 6.7% |
| BLC Community Bank | 14 | Not published | $295,000 | 0.0% |
| UNISON CREDIT UNION | 13 | 6.550% | $155,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 6.625% | $220,000 | 29.4% |
| PLANET HOME LENDING, LLC | 12 | 6.688% | $230,000 | 14.3% |
| COMPEER FINANCIAL, FLCA | 12 | 7.000% | $250,000 | 6.7% |
| AmeriSave Mortgage Corporation | 11 | 7.625% | $85,000 | 62.5% |
| 21st Mortgage Corporation | 11 | 11.170% | $75,000 | 59.3% |
| SPRING EQ, LLC | 11 | 9.775% | $65,000 | 38.9% |
| Wolfe Financial, Inc | 11 | 7.250% | $255,000 | 15.4% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.500% | $215,000 | 15.4% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 11 | 7.625% | $225,000 | 0.0% |
| Coastal Community Bank | 10 | 9.990% | $50,000 | 13.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | 6.745% | $210,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.933% | $250,000 | 0.0% |
| Waukesha State Bank | 10 | 6.000% | $735,000 | 0.0% |
| Landmark Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 46.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 18.2% |
| TOWNE MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GO MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 46.7% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 50.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CMG MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 38.5% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Servion, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PCM Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UNION HOME MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AbbyBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Prevail Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EDUCATORS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 20.0% |
| The Bank of Kaukauna | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First American Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GreenStone Farm Credit Services, FLCA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A + MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FORTE BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 70.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KOHLER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Greenwood's State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Stephenson National Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| IncredibleBank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Bank of Chilton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITEDONE Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 254900B0P7ZWM2SQVJ36 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UMB Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Collins State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WOODTRUST BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westbury Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Town Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Deerfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alerus Financial, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| One Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Ridge Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WaterStone Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THOMPSON KANE & COMPANY, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 77 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Winnebago County
29 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Associated Bank, National Association | 5 | $512.1 million |
| Nicolet National Bank | 3 | $512.6 million |
| BMO Bank National Association | 3 | $193.3 million |
| Fortifi Bank | 3 | $98.7 million |
| JPMorgan Chase Bank, National Association | 2 | $230.4 million |
| U.S. Bank National Association | 2 | $227.6 million |
| Old National Bank | 2 | $142.0 million |
| West Pointe Bank | 1 | $260.2 million |
| Bank First, N.A. | 1 | $117.5 million |
| Horicon Bank | 1 | $68.7 million |
| Wells Fargo Bank, National Association | 1 | $59.4 million |
| Fox Valley Savings Bank | 1 | $37.7 million |
| Premier Community Bank | 1 | $31.9 million |
| North Shore Bank | 1 | $26.2 million |
| National Exchange Bank and Trust | 1 | $21.1 million |
| Bristol Morgan Bank | 1 | $7.0 million |
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When the next year’s lending figures are out for Winnebago County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.